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Senate Bill 2324 allows consumers to place a security freeze on
their credit reports by sending a request to a consumer credit
reporting agency. Current law only allows victims of identity theft
to request a security freeze on their credit reports. "Victims of
identity theft often have to spend months or years, as well as
considerable amounts of money, cleaning up the mess left by the
thieves," Brady said. "A security freeze will help consumers
minimize the long-term credit effects."
With the security freeze in place, a consumer credit reporting
agency could not modify certain information in a consumer credit
report without sending a written confirmation of the change to the
consumer within 30 days of the change being posted to the consumer's
file.
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 Senate Bill 2324 allows a consumer credit reporting agency to
charge a reasonable fee to consumers who request a freeze, remove
the freeze or temporarily lift the freeze. No fee would be charged
to victims of identity theft who have submitted valid police
reports.
The legislation is currently awaiting assignment to the
appropriate Senate committee, where it will be debated by lawmakers,
and the public will be invited to comment.
[From
Sen. Bill Brady]
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